Can I retire at 45 with a ₹1.5 crore corpus at 9% return?
A ₹1.5 crore corpus from age 45 to 85 (40 years) at 9% return supports a withdrawal of about ₹1,15,704 per month, or ₹13,94,394 per year — a long horizon, since early retirement needs the corpus to last much longer.
How this is calculated
This is the mathematical reverse of a loan EMI: instead of paying down a debt at a fixed rate, you are drawing down a corpus that keeps earning interest between withdrawals, sized so it reaches exactly ₹0 by your target age. The monthly and annual figures are calculated as two separate withdrawal schedules — they will not simply relate by ×12, since each is independently sized to fully deplete the same corpus on its own schedule.
Important: this is a level, non-inflation-adjusted withdrawal
The withdrawal amount shown stays flat in rupee terms for the whole period — it does not increase with inflation, so its real purchasing power will fall over time. It also assumes a constant annual return, which real investments will not deliver in a straight line year to year. Treat this as a starting-point estimate, not a guarantee.
What does "corpus" mean?
Corpus just means the total pot of savings you’re drawing an income from — a term used often in Indian retirement planning, but it simply means "your savings."